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当银行面对房地产价格冲击试图保持一定的资本充足率时,较轻的冲击就可能导致银行不稳定成为一种自我实现的结果,而当银行不维持最低资本充足率时,较为严重的房地产价格下跌才有可能导致银行的不稳定,可见,高资本充足率在一定程度上反而增加了银行体系的不稳定性。在特殊情况下,适当降低银行的资本充足率或补充资本、降低法定存款准备金率等增加银行体系流动性的政策可能是有益的。
When banks face real estate price shocks in an attempt to maintain a certain level of capital adequacy ratio, light shocks may lead to bank instability as a result of self-actualization. When banks do not maintain the minimum capital adequacy ratio, the more serious real estate prices It is possible that the decline will lead to instability in the banking sector. Thus, the high capital adequacy ratio has, to a certain extent, increased the instability of the banking system. Under special circumstances, it may be beneficial to appropriately lower the bank’s capital adequacy ratio or replenish capital and lower the statutory deposit reserve ratio to increase the liquidity of the banking system.